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Finding Health Insurance

Finding Health Insurance

Finding Health Insurance

Insurance . Get information on how to find and sign-up for health insurance including the ACA, COBRA, long term care and health care for people with disabilities. Affordable Care Act Learn about the Affordable Care Act and find out how to apply through the Health Insurance Marketplace at HealthCare.gov.

Note: In response to the coronavirus pandemic, you may be eligible to apply for coverage through the Health Insurance Marketplace during the special enrollment period,

Health Insurance Plans

How to Apply for Medicaid and CHIP
Medicaid is a federal and state health insurance program for people with a low income.

The Children’s Health Insurance Program (CHIP) offers health coverage to children. To be eligible, the child’s family must have an income that is:

  • Too high to qualify for Medicaid
    Too low to afford private coverage
    Medicaid and CHIP program names are different in each state.

Learn About Medicaid

What help is available through Medicaid?
Medicaid provides free or low-cost medical benefits to eligible:

  • Adults with a low income
    Children
    Pregnant women
    People who are age 65 or over
    People with disabilities
    Am I eligible for Medicaid?

Check with your state’s Medicaid office to see if you or your family members are eligible for benefits. In general, it depends on at least one or a combination of:

  • Age
    Income level
    Number of people in your family
    If you are pregnant or have a disability
    How do I apply for Medicaid?
    There are two ways to apply for Medicaid:

 

  • Contact your state Medicaid agency. You must be a resident of the state where you are applying for benefits.
  • Fill out an application through the Health Insurance Marketplace.
  • Learn About the Children’s Health Insurance Program (CHIP)
  • If your income is too high for Medicaid, your child may still qualify for the Children’s Health Insurance Program (CHIP). It covers medical and dental care for uninsured children and teens up to age 19.

Is my child eligible for CHIP?
CHIP qualifications are different in every state. In most cases, they depend on income.

How do I apply for CHIP benefits?
You have two ways to apply for CHIP:

  • Find a program by state, or call the Health Insurance Marketplace at 1-800-318-2596 (TTY: 1-855-889-4325).
  • Fill out an application through the Health Insurance Marketplace.
  • What else do I need to know about CHIP?
  • You can apply for and enroll in Medicaid or CHIP anytime during the year.
  • Learn how to use your Medicaid or CHIP coverage.
  • Like Medicaid and CHIP, the Basic Health Program (BHP) offers affordable, continuous coverage. It’s an optional program that your state may offer. It’s available to people with incomes that shift above and below Medicaid or CHIP levels.
  • Get information on other common types of health insurance, such as Medicare, and find help paying for medical bills.
  • File a Complaint About Medicaid or CHIP
  • If you have a problem with Medicaid or CHIP services, you can file a complaint. These programs are managed by each state rather than the federal government. Contact your state’s Medicaid program to report your issue.

Medicare
Get answers to your questions about Medicare, including how to apply, get a replacement card, and what is Part D for prescription drugs. Also, learn about Medicare coverage when you live abroad.Voluntary Termination of Medicare Part B . You can voluntarily terminate your Medicare Part B (medical insurance). It is a serious decision. You must submit Form CMS-1763 (PDF, Download Adobe Reader) to the Social Security Administration (SSA). Visit or call the SSA (1-800-772-1213) to get this form.

You’ll need to have a personal interview with Social Security before you can terminate your Medicare Part B coverage. To schedule your interview, call the SSA or your local Social Security office.  Medicare Prescription Drug Coverage (Part D) /. Part D of Medicare is an insurance coverage plan for prescription medication. Learn about the costs for Medicare drug coverage.

Replace Your Medicare Card

You can replace your Medicare card in one of the following ways if it was lost, stolen, or destroyed:

  • Log into your MyMedicare.gov account and request one.
    Request a replacement Medicare card online.
    Call or visit your local Social Security Administration office.
    Medicare Coverage Outside the United States
    Medicare coverage outside the United States is limited. Learn about coverage if you live or are traveling outside the United States.

Original Medicare

  • If you have Original Medicare and have a Medigap policy, it may provide coverage for foreign travel emergency health care. Learn more about Original Medicare outside the United States.

Paying for Medical Care

  • Explore resources that can help you pay for medical bills and prescription drugs. Also, find information about local health clinics and suggestions for finding low cost dental coverage.

How Do I Get Help With My Medical Bills?

  • Learn how to find help from the government with medical bills and insurance options.

Help with Prescription Drug Costs

  • Programs from government agencies and pharmaceutical companies can help you pay for prescription drugs. Check with each program to find out if you’re eligible and how to apply.

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